If your account is not paid in full or you have not established a payment plan with one of our collection specialists, your account will be referred to an external collection agency. At the time the account is referred to an external collection agency, it will be assessed a collection agency fee up to thirty-three percent which you will be fully responsible for paying. The account may also be referred to an attorney to pursue litigation. We will also submit a claim for the debt to the State of Illinois under Section 10.05 of the State Comptroller Act. This act authorizes the comptroller to satisfy the debt by withholding any personal warrants (income tax refunds, for example) issued to you. As Southern Illinois University Carbondale is a non-profit institution of higher learning, student receivable accounts are considered to be educational loans offered for the sole purpose of financing an education and are not dischargeable in bankruptcy proceedings, pursuant to 11 U.S.C sec. 523(a)(8).